Copilot Money alternative for Europe.
Copilot is a beautiful wealth tracker for Americans on iPhones. It's US bank-only through Plaid, iOS-only, and priced in dollars.
Wealthos is the European answer. 3,000+ EU and UK banks via regulated Open Banking. Multi-currency net worth in your home currency. Web and iOS. And a 10-year forecast built in. €5 a month.
Why people look for a Copilot alternative.
Copilot earned its fans for a reason — the UI is gorgeous and the automatic categorisation is strong. But Europeans run into the same walls every time.
US banks only
Plaid's European coverage is narrow. Wealthos uses regulated Open Banking that covers 3,000+ banks across the EU and UK.
iOS only, no web
Copilot has no web app. Wealthos runs on both web and iOS, so you can check your wealth from your laptop.
No multi-currency, no forecast
Copilot is a budget-and-track app. Wealthos converts every currency at live rates and projects a decade out.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs Copilot Money.
| Feature | Wealthos | Copilot |
|---|---|---|
| Geographic focus | EU and UK | United States |
| Bank coverage | 3,000+ EU and UK banks via Open Banking (PSD2) | US banks via Plaid |
| Multi-currency | Native — live conversion | USD only |
| Platforms | Web + iOS | iOS only (Mac companion) |
| Forecast horizon | 10 years | None |
| Life-scenario simulator | Yes | No |
| AI assistant | Built-in, plus MCP for Claude / ChatGPT / Cursor | Automatic categorisation; no assistant |
| Pricing | €5/mo or €45/yr | $8.99/mo or $95/yr |
| Data residency | EU infrastructure, GDPR | US |
Copilot is $8.99/mo or $95/yr. Wealthos is €5/mo or €45/yr — about half the annual price. Both are flat, single-plan products with no per-account fees. Wealthos includes bank connections, multi-currency, forecasting, and AI; Copilot includes categorisation and tracking for US banks.
When Copilot is the right pick.
We admire Copilot. If you're a US-based iPhone user, here's where Copilot wins today:
- The most polished mobile UI in the category.
- Best-in-class automatic merchant categorisation.
- A mature, iOS-native experience with Apple Card and Apple Cash support.
If you live in the US, bank with US institutions, and want beautiful iOS categorisation, Copilot is the right pick.
Who should switch to Wealthos.
Wealthos is the better fit if:
- You live in the EU or UK.
- You want to see your wealth on the web, not just on an iPhone.
- You hold more than one currency.
- You want a forecast, not just a tracker.
- You use Claude, ChatGPT, Mistral, or OpenClaw and want them on your real data.
How to move from Copilot.
Here's the 15-minute move:
- 01Sign up for Wealthos — 7-day trial on the yearly plan.
- 02Connect your European banks via Open Banking.
- 03Add any manual accounts (brokerages, crypto, property).
- 04Set your home currency and forecast target.
- 05Cancel Copilot before the next billing cycle.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as Copilot — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.